Dispute Letter To Remove Collections Template for United States

1. Identity Theft Statement: Include when the collection resulted from identity theft, with reference to police reports or FTC Identity Theft Reports

2. Statute of Limitations Notice: Include when the debt is beyond the statute of limitations in your state

3. Cease Communication Request: Optional section requesting all future communication to cease, invoking rights under FDCPA

4. Previous Communication Reference: Include when referencing previous attempts to resolve the issue or prior correspondence

5. Legal Representation Notice: Include when represented by an attorney, requiring all communication to go through legal counsel

6. Hardship Statement: Include when relevant to explain circumstances that led to the disputed debt

7. Settlement Offer: Include when proposing a settlement amount to resolve the dispute

1. Proof of Identity: Copies of government-issued ID to verify identity

2. Account Statements: Relevant account statements or documentation showing errors or disputes

3. Previous Correspondence: Copies of any previous relevant communication with the collector or creditor

4. Supporting Documentation: Any evidence supporting your dispute (receipts, cancelled checks, etc.)

5. Credit Report Excerpts: Relevant sections of credit reports showing the disputed information

6. Identity Theft Documentation: Police reports, FTC Identity Theft Reports, or other identity theft evidence if applicable

7. Return Receipt Request: Certified mail tracking information for proof of delivery